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For music and art lovers

Instrument & art insurance

Security for your musical instruments and art
Insurance cover worldwide
24/7 hotline in the event of a claim
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ekomi silver
4.6 / 5
Determined from 35044 customer opinions
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Key points at a glance

  • Comprehensive protection: This insurance protects your favorite pieces worldwide against theft, loss, damage, or destruction.
  • Optimal supplement to household contents: The insurance protection of this supplementary coverage is much higher than that of household contents insurance – in the event of a claim, you receive the full amount.
  • Flexible coverage: You can also insure works of art or musical instruments individually.
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Optimal protection for art and musical instruments

You insure your musical instruments and art objects with us as part of your valuables insurance. This allows you to benefit from key advantages: 

  • Global insurance coverage
  • Our valuables insurance covers damage in the event of theft, burglary, robbery as well as destruction and loss
  • We cover the cost if you or a third person accidentally damages an instrument or art work
  • Flexible cover: You can insure precisely the items that are important to you

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35’044 satisfied customers

4.6 / 5

  1. Denis L.

    All was easy

  2. Theodor-Emil S.

    Quick responses. Easy and uncomplicated process through the app.

  3. Helena Ronke K.

    I particularly pleased with how my recent claims were handled. The process was clear and efficient , communication was good, and I received helpful support throughout. I also appreciated the quick processing and the professional and friendly service.

  4. Amelia W.

    The ease of the claim portal to fill in, and the level of cover.

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Frequently asked questions

Which losses/damage does musical instrument or art insurance (as part of valuables insurance) cover?

Our valuables insurance covers your musical instruments and art works plus accessories against the following risks:

  • Theft (burglary and simple theft)
  • Robbery
  • Loss
  • Destruction
  • Damage

You can find detailed information in our General Insurance Conditions (GIC) “Valuables”. 

What kind of art is insured?

Our art insurance covers paintings, illustrations, photographs, sculptures, ceramics, porcelain and antiques.

You can take out art insurance for originals, editions, individual pieces or whole collections.

How is the insurance value of art works or instruments determined?

The insurance value of art works or musical instruments is based on the respective market value. The market value is the replacement value for an item of equal quality.

However, our valuables insurance covers damage to items up to the maximum value listed on the inventory. The insurance value of art works or musical instruments is based on the respective market value. The market value is the replacement value for an item of equal quality.

However, our valuables insurance covers damage to items up to the maximum value listed on the inventory.

What damage is covered by AXA’s musical instrument insurance or art insurance?

We cover the cost of repairs or replacement of your musical instrument or art work if it is lost, damaged or stolen.

In the event of theft or burglary, we give you the replacement value at the time of the claim up to the maximum sum insured listed in the policy for the individual item.

I already have household contents insurance. Why do I need extra instrument and art insurance?

AXA valuables insurance gives you comprehensive cover for your precious favorite items: The insurance cover of this supplementary insurance is much higher compared to household contents insurance. 

Instrument and art insurance gives you comprehensive protection for your favorite items against theft, loss, damage or destruction on a worldwide basis. In the event of a claim, you receive the full amount with supplementary valuables insurance from AXA.

It's important to point out that items insured above the valuables insurance do not have to be included in the premium total of your household contents insurance. 

Is my instrument also covered in other countries?

In addition to the classic risks such as theft, loss, damage or destruction, our valuables insurance also covers the following damage whenever you travel inside and outside of Switzerland: Transportation routes, hiring, damage caused by being dropped, for example, and simple theft.

Please note: If you commission a third party (e.g. forwarding agent) with the transport, you are not covered for the financial consequences of any damage.

Are repairs to musical instruments and art works also covered by this supplementary insurance?

We cover the cost of repairs or replacement of your instruments or art works if they are lost, damaged or stolen.

Can I just take out instrument and art insurance?

Yes, this is possible with AXA. You can just take out our valuables insurance for watches & jewelry as well as for instruments & art. You don’t have to have household contents insurance with AXA.

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To household contents insurance
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